Signing a deposit contract in Spain? Check the financing first.
A Spanish deposit contract can put a meaningful amount of money at risk. If the purchase depends on financing, review that before signing.
Why doing the numbers first matters
A mortgage is not only about finding a low interest rate. The purchase has to work as a whole: upfront cash, monthly payment, existing debt and enough liquidity after completion. The earlier those numbers are clear, the easier it is to avoid signing a reservation or deposit contract based on an assumption.
Read the financing clause
Do not assume that a mortgage rejection automatically allows you to recover the deposit. The consequences depend on what the contract actually says.
Know the deadline
The time allowed to obtain financing can matter as much as the amount. A feasible alternative is useless if it cannot be completed before the contractual deadline.
Do the mortgage study first
Before transferring a significant deposit, know the financing you need, the savings available and what would happen if the valuation or lender assessment changes.
What you can expect from Hipoteca Real
We carry out an initial mortgage study, organise the information needed for the case and, where the operation fits the solutions we can handle, accompany the process through documentation, prescoring, presentation to the lender and the steps before signing. Hipoteca Real does not grant or approve credit.
No fees for you. You do not pay Hipoteca Real a client fee. When a mortgage is formalised through a lender we work with, our remuneration comes from that financial institution.
Common questions
Do I need to have chosen a property?
No. We can start with a price range and your financial situation, then update the study when you have a specific property.
Can I do everything remotely?
Yes. The service is available online and by phone throughout Spain.
Does the study guarantee approval?
No. The lender makes the final lending decision after its own affordability and risk assessment.
Do you charge the buyer a fee?
No. Hipoteca Real does not charge the client fees for the study or for the transactions we handle.